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Apartment in Villajoyosa

Calle Doctora Damiana Zaragoza

Villajoyosa/vila Joiosa (la), Alicante • Ref: #06F4DB79

€209,000
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Size

105 m²

Price / m²

€1,990

Rooms

3

OccupancyVacant
62
Calle Doctora Damiana Zaragoza — Villajoyosa/vila Joiosa (la)
Photo: Solvia
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Pristine

Photo quality

Good

Model observations

  • •Salon: Las paredes y el suelo de baldosas están en perfecto estado, sin signos de desgaste.
  • •Balcon: La barandilla y el suelo del balcón se ven nuevos y limpios.
  • •Ventanas: Las ventanas correderas y persianas están en excelentes condiciones.

Description

Piso de 3 dormitorios Villajoyosa, Alicante. Situado en el casco urbano, esta vivienda de segunda mano y 89 m² ofrece buena conexión por transporte público como el tranvía con la línea 1 o por transporte privado con fácil acceso a la N-332 que comunica con las localidades aledañas en pocos minutos. Su cercanía a colegio, instituto, organismos públicos, cafeterías, restaurantes, farmacia y centro de salud, así como su ubicación a tan solo 10 minutos de la playa y del Club Náutico la convierten en una propuesta inteligente. La vivienda se encuentra en un edificio construido en 2009, dispone de una superficie de 89 m² y se distribuye en salón-comedor, 3 dormitorios, cocina amueblada y equipada con horno, placa vitrocerámica y extractor de humos y 2 baños.

Characteristics

Bathrooms

2

Elevator

Yes

Year built

2009

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
1766806YH4616N0099PS
Cadastral area
105 m²
Year built
2009
Cadastral use
Residential

How to buy this asset from the bank

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  1. 1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
  2. 2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
  3. 3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
  4. 4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
  5. 5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

handshakeThis asset has been listed for 327 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

Minimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

Debts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

Financing

Many servicers finance their own stock at aggressive terms (high LTV) through the parent bank — ask on first contact. Note: a property without a functional kitchen or bathroom may not be mortgageable as-is, and the appraisal can come in below price on heavily distressed assets.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

BUY

62/100

Confidence: High

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
25/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 105.00m² en Villajoyosa/vila Joiosa (la) a 1990€/m² (mediana zona 2039€/m², delta -2.4%). Estado Impecable. Posesión libre. Zona baja, 293 días en mercado.

Strengths

  • +Estado impecable: entrar a vivir sin obra
  • +El banco confirma posesión legal: vivienda libre para entregar

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

location_on

Location

Villajoyosa/vila Joiosa (la), Alicante

Price analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

vs free market

-2.4%In line
Scope
Municipality (MITMA)
Zone median
€2,039 /m²
This asset
€1,990 /m²
Samples
158
Period
Q4-2025
Source
MITMA

vs other bank assets

-10.3%Good price
Scope
Postal code
Zone median
€2,219 /m²
This asset
€1,990 /m²
Samples
23
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€209,000
Transfer tax (ITP) 10% — Comunitat Valenciana€20,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€732
Estimated total investment€231,632

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

Price history

The price has dropped 3 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
12 Apr 2026
€227,000arrow_forward€212,000-6.61%
21 Jul 2026
€212,000arrow_forward€199,000-6.13%
26 Sept 2026
€199,000arrow_forward€209,000-5.03%

Listing intel

SourceSolvia
On the market sinceDec 2025 (327 days)
On Atalaya since11 Apr 2026
Last updated1 Nov 2026

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Aggregated data from public sources and servicer Solvia. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing